Yes RESERV Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
High annual fees.
There are no rewards on groceries and convenience store spending.
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
Rewards & Benifits
Welcome Benefits
None
Rewards System
Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories.
1 RP = 0.25 Paisa.
Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
International Forex Markup
1.75% (plus applicable taxes).
Welcome Benefits and Reward System
Special Features
Dining Benefits: Get a minimum 15% discount at select restaurants.
Eligibility Criteria
Between 21-60 years of age.
Salaried or self employed.
Minimum Net Salary of INR 2 lakh per month or Income Tax Return of INR 18 lakh and above.
Benefits
Dining benefits.
Insurance coverages.
Travel benefits.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Contact Details
1800 1200
Account Opening and Procedure



Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will get 24 YES Reward Points for every INR 200 for online shopping, 12 YES Reward Points for every INR 200 for offline shopping, and 6 YES Reward Points for every INR 200 on selected categories. 1 RP = 0.25 Paisa. Online cashback rate: 3%, offline cashback rate: 1.5%, and cashback rate on other spends: 0.75%.
Travel Benefits: Access to airport lounges internationally for Mastercard and Visa cards, and 3 complimentary lounge visits per quarter within India.
Dining Benefits: Users will get a minimum 15% discount at select restaurants.
Other Benefits: Complimentary Golf program, Insurance coverage up to 15 Lac, and Lost Card liability 15 Lac to 30 Lac.
High annual fees.
There are no rewards on groceries and convenience store spending.
The Yes Bank Reserv Credit Card is a good option for frequent online shoppers who also travel occasionally. The high rewards rate for online purchases and the inclusion of airport lounge access make it attractive. However, if you spend a significant amount offline on groceries, utilities, etc., the lower rewards rate might be a drawback.
Yes RESERV Credit Card

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
First Year Membership Fee of INR 1,999+ applicable taxes, waived off on total retail spends of INR 40,000/- done within 30 days of card set up date.
Interest Rate: 2.99% per month (35.88% annually)
Cash Advance Charges: 2.5% (subject to a minimum of Rs. 300)
Late Payment Charges: Ranges from INR 0 to INR 1000.
Foreign Currency Mark-up Fees: 1.75% (plus applicable taxes).
Fuel Surcharge
1% fuel surcharge is waived on all fuel purchases at all fuel stations across India for transactions between Rs. 400 and Rs. 5000 (waiver capped at Rs. 1000 per month).
Billing Cycle
30 Days